According to CoinMeta, McKinsey released a report stating that the expenses associated with AI agents could undermine banks' automated profits, and it is estimated that the token costs of AI agents could reach 20% of banks' labor costs. Global banks are facing unexpected financial challenges, with the operating costs of artificial intelligence agents continuously rising, which may consume the savings that banks expected to achieve in customer service, compliance, and administrative work automation. McKinsey pointed out that the expenses related to AI tokens could account for 20% of banks' total labor costs. This warning came as global bank profits reached a record $1.3 trillion in 2025. McKinsey's research also found that AI agents reduced task completion times by about 60% in financial and professional service companies. However, the reduction in task time does not automatically translate into a reduction in team size or wage expenditures.